Recommended MPCard
This tutorial recommends using Cloud Card (VISA · virtual · BIN 45659910) to complete the top-up. Flash Card also work.
Full card rules: Restricted Merchant & Transaction Policy.
⚡ Quick Summary (TL;DR)
Recommended card: Cloud Card (BIN 45659910)
Estimated time: 5–10 minutes
Key prerequisites: DeepSeek API account + MPChat Cloud Card · Credit top-up model — not a subscription
Card declined? Check: ① Balance ≥ $15 ② US billing address ③ Avoid rapid retries
📖 Overview
DeepSeek API offers a prepaid credit top-up model — similar to Anthropic API — where credits are consumed per API call based on token usage. There is no monthly subscription fee. New accounts may receive a promotional credit grant. DeepSeek V4 Flash is priced at $0.14 input / $0.28 output per 1M tokens, while V4 Pro is available at promotional pricing of approximately $0.435 input / $0.87 output per 1M tokens. Top up at platform.deepseek.com.
🔑 Prerequisites
DeepSeek account: Sign up free at platform.deepseek.com. Email sign-in required.
Network: platform.deepseek.com is globally accessible; check your region's availability if the API is needed for production use.
Funding ready: Recommended first top-up is $10–$20 to test your integration. Top up ~$15 USDT to cover a $10 initial charge + $1 verification hold.
📝 Step-by-Step Guide
Phase 1 – Prepare the MPCard
Top up USDT
Path: MPChat App → Wallet → Deposit
- Copy your USDT deposit address
- Send from an external wallet or exchange
- Wait for confirmation (typically 5–15 min)Issue a Cloud Card (VISA · BIN 45659910)
Path: MPChat App → MPCard → New Card
- Card type: Cloud Card
- Generated instantly; save card number, expiry and CVVFund the card
Path: MPChat App → Wallet → Transfer
- From: MP Wallet (USDT) → To: MPCard (USD)
- Amount: at least $15 (includes $1 verification buffer)
Phase 2 – DeepSeek API Top-Up Flow
Sign up or sign in at platform.deepseek.com
Click your avatar (top right) → Billing, or go directly to platform.deepseek.com/billing
Click Top Up and enter your desired amount (recommended: $10–$20 for first top-up)
Select Credit / Debit Card as the payment method and proceed
DeepSeek API Pricing (per 1M tokens)
Model | Input (per 1M tokens) | Output (per 1M tokens) | Notes |
DeepSeek V4 Flash ★ | $0.14 | $0.28 | Best value · fast · suitable for most tasks |
DeepSeek V4 Pro (promo) | ~$0.435 | ~$0.87 | Promotional pricing · higher capability |
Phase 3 – Payment Details (critical step)
Payment method: select Credit / Debit Card → Add a new card
Card details (MPChat App → MPCard → card details):
Card Number: 16-digit number
Expiry Date: MM / YY
CVV: 3-digit security code
Name on card: use your real name (Latin letters)Billing address: enter a valid US address (state and ZIP must be consistent):
Street: 1234 Maple Street
City: San Francisco
State: CA
ZIP: 94102
Country: United States
⚠️ Notes & Troubleshooting
Not a subscription: DeepSeek API uses a prepaid credit model. You top up a balance and credits are deducted per API call. No recurring charge.
New accounts may receive a promotional credit grant; check your dashboard balance after sign-up.
Recommend starting with $10–$20 to test your integration before larger top-ups.
Unused credits do not expire and can be used at any time.
Monitor your usage in the dashboard to avoid unexpected balance depletion on high-volume tasks.
Common payment failures
Error | Fix | Priority |
Card declined | Verify balance, billing address region, and card type match. | ⭐⭐⭐⭐⭐ |
Address invalid | Use a real US billing address; state and ZIP must be consistent. | ⭐⭐⭐⭐ |
Payment pending / auth failure | Wait 15 min, top up balance, retry once. Do not retry rapidly. | ⭐⭐⭐ |